AZ Public Adjuster case studies
AZ Public Adjuster · Put your knowledge to work in context.
The Arizona Public Adjuster License Exam is the multiple-choice licensing assessment for people who want to represent policyholders - rather than insurers - when negotiating property and casualty claims in Arizona. Candidates are typically claim professionals, contractors, or independent advocates moving into public adjusting, and they should confirm current licensing requirements directly with the Arizona Department of Insurance and Financial Institutions (DIFI), which regulates insurance professionals in the state and publishes licensing resources and forms. The AZ Public Adjuster case studies are 5 cases and about 3,130 words.
1The Adjuster's Fee on a Fire Loss With a Mortgage and a Depreciation Dispute
A public adjuster licensed in Arizona signs a contract with a homeowner to handle a kitchen fire claim. The dwelling is insured under an HO-3 with Coverage A of 420,000, a 2,000 all-perils deductible, and replacement cost on the dwelling plus actual cash value on personal property unless the insured submits a replacement-cost claim within 180 days.
673 words, about 3 min2The Vacancy Question After a Tenant Moves Out Mid-Renovation
A landlord holds a commercial building policy (special form) on a 12,000-square-foot retail building valued at 1.4 million. The sole tenant, a hardware store, vacated on March 1 when its lease expired.
656 words, about 3 min3Contents ACV, a Business Income Gap, and a coinsurance trap
A boutique bakery rents a 2,000-square-foot space in a strip center and buys a commercial property policy with a building limit of 300,000, a business personal property limit of 120,000, a business income limit of 150,000 with a 72-hour waiting period, and an 80% coinsurance clause. The building's actual replacement cost is 520,000.
576 words, about 3 min4A Dwelling Fire Policy, a Boarder, and the Replacement Cost Holdback
A homeowner insures a duplex under a dwelling fire policy with Coverage A of 250,000 on a replacement-cost basis, Coverage C of 50,000 on an actual-cash-value basis, and a 1,000 deductible. The owner lives in one unit and rents the other to a tenant who also stores a commercial carpet-cleaning machine in the shared basement.
596 words, about 3 min5A Contingency Fee, a Signed Release, and a Carrier's Undervaluation
A public adjuster meets a homeowner two days after a hail storm at her door. The roof is 18 years old and the carrier's adjuster has already inspected and offered 9,400 for a full roof replacement, asserting the roof is repairable.
629 words, about 3 min